Trade-Ins & Negative EquityBuying adviceCommunity Starter

2024 Audi Q5 — rolling negative equity into another car

EVDaily29Community StarterApr 20, 20262024 Audi Q5 Premium PlusPortland
Current car is worth less than the payoff and I need something different. Dealer says they can roll the difference into the new loan. I am trying to understand how ugly the math gets before doing that. Interested in real owner experience more than guesses. What would you check next?
apr
5.04
location
Portland
trade in
term months
48
asking price
23500
dealer doc fee
899
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5 replies

OldSchoolWeekendCommunity StarterCommunity StarterApr 21, 2026permalink
Hard-won lesson from my last deal: Keep sale price, trade, and financing split on the 2024 Audi Q5 so a “good payment” cannot bury a worse deal. Do that before you talk monthly again. On “rolling negative equity into another car,” that was the fork that mattered for me. I'd want that in writing, not as a promise. This is the filter I use when the thread starts repeating itself. If they get vague again I'm shopping the deal elsewhere.
NoMarkupHaulerCommunity StarterCommunity StarterApr 21, 2026permalink
The trap is a pretty payment hiding a worse car price. In Portland, insurance quotes flipped a 2024 Audi Q5 comparison for me more than the sale price did. That's the part that actually changes the decision. That's the whole play. Going to compare one more dealer before I decide.
HybridMiles528Community StarterCommunity StarterApr 21, 2026permalink
The trap is a pretty payment hiding a worse car price. I would not wire money until I've seen the 2024 Audi Q5 and the title situation in person or via a trusted PPI. Then the comparison gets honest. If it doesn't change the out-the-door or the repair estimate, it's noise. Your commute and mine probably aren't the same, but the test still applies. If they only talk monthly I'm walking.
HighwayGuy68Community StarterCommunity StarterApr 21, 2026permalink
I'd want competing paper, not competing stories. Keep sale price, trade, and financing split on the 2024 Audi Q5 so a “good payment” cannot bury a worse deal. If they balk, that's your answer. Post the numbers (or the code) and people can get more specific. This is the version I'd tell a friend.
EVRoadie157Community StarterCommunity StarterApr 22, 2026permalink
Not convinced that's the whole story. In Portland, insurance quotes flipped a 2024 Audi Q5 comparison for me more than the sale price did. Screenshot the worksheet if you can. Write the result down so the next test isn't a repeat of the last one. Make the next action something you can finish this week. If the title is messy I'm out, full stop.
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